CEFCU Platinum Mastercard®

Our Cardholders Shop with Confidence.

Don't be misled by cards that claim a lower rate. Our Platinum Mastercard costs nothing to carry and little to use. Plus, our Mastercard gives our cardholders the safety of EMV chip technology and many other enhanced benefits.

Caltech mastercard design

  • Low, variable rate of 10.00%*
  • No Annual fee
  • No Cash Advance fee
  • No Balance Transfer fee

Cardholder Benefits

  • Mastercard Online Access
  • Easy payment methods
  • Mastercard ATM access
  • Price Protection
  • Extended Warranty
  • ID Theft Resolution Services
  • Zero Liability 
  • Optional: Debt Protection
  • Choice of four exclusive designs

Student Platinum Mastercard

Full-time students (enrolled in 12 units or more) may apply for our Student Mastercard and receive the same cardholder benefits.

Apply Today!

CEFCU is your smarter solution for credit cards. Apply today by clicking on the Apply for a Loan option when you sign into eBranch. If you're not yet an eBranch user, you can still apply online. Prefer not to apply online? You may also complete a Loan Request and mail or fax it to the office location most convenient to you. To transfer high-cost balances from other credit cards, submit a Mastercard Balance Transfer Form.


*APR=Annual Percentage Rate
The rate for purchases, cash advances and balance transfers may vary as it is determined quarterly and will equal the US Prime Rate plus a margin of 6.00%; the rate will not be more than 18.00%. The Prime Rate is the highest bank prime rate as published in the Wall Street Journal's Money Rates section on the first day of the previous month prior to the change date. CEFCU may adjust your rate four times a year on the January, April, July, and October billing cycle. View our Mastercard Disclosure for complete details.

All credit subject to approval. CEFCU is an Equal Opportunity Lender.